Help! Student daughter can't open a bank account

[nakedscientistOfThigh]

I would be so grateful for advice. DD needs to open a normal student account and she can't.
Last year DD tried to open a HSBC account. It was declined due to the fact that her proof of address (her childhood home) wasn't accepted. (she now has a provisional licence) DH had her put onto the water bill but they said her name was in the wrong place, i.e. not first. They declined her application. They told her to try again three months later which she did and now has been declined again by HSBC and most recently by Santander.
She has done nothing wrong. She owes no money and has never defaulted on anything. Our address is clear and we have been here 25 years, DH and I have excellent credit ratings, no problems with getting credit cards, loans, contracts etc.
DD has done one year of uni with a Monzo card and has a job in the holidays.
She has run Experian and it simply says there is not enough information to give her a rating.
Can anyone help?

Found a post that explains dw :)

I had the same problem with HSBC helping DS open his student account. Took along the ID we had; birth certificate, and district council letter to confirm he lives at our address. They needed photo ID, fair enough. I renewed his passport and took it along. Then they needed 2 forms of photo ID and said he would have to apply for a provisional driving license.

At that point I got arsey. Turns out they could open an account for him there & then after all (albeit a slightly crapper one than the advertised student account). It was ridiculous, he got his student loan through and couldn't pay it in anywhere.

It was ridiculous, he got his student loan through and couldn't pay it in anywhere.

That's not the fault of HSBC though. Despite their ridiculous methods of opening accounts. Your son could have had a current account since turning 11. If you had done that for him at any time since his 11th birthday his loan could have gone in there.

He did have an account (with HSBC) thanks very much. It wasn't at all clear whether the loan could be paid in there and HSBC advised he needed an adult account.

@nakedscientistOfThigh This is odd unless things have changed since I have been on mat leave , a driving licence used to be used as proof of who you are and where you live ... a ucas number / letter of acceptance / letter regards student loan should be good for proof of being a student .

Natwest only allow applications online for student accounts... but perhaps try there

Again things may have changed and I could
Be out of date but worth a go x x

He did have an account (with HSBC) thanks very much.

A bit salty. Your previous post saying he didn't have an account to pay his loan into suggested he didn't have an account.

It wasn't at all clear whether the loan could be paid in there and HSBC advised he needed an adult account.

A student loan can be paid into any current account. Young persons (usually 11-19), or regular current account or student account. Not sure why HSBC wouldn't know that. Literally thousands of students use their current accounts and don't switch to student account. The benefits amid a student account are the only difference, in terms of bank payments the can be made into any current account.

Maybe your son only had a kids saver account?

Are any of you American ?
As that will cause MASSIVE problems because of FATCA

Try Halifax student account. She'll need UCAS confirmation, provisional licence and utility bill

Is she on the electoral register at the address she's listed? I had the same problem and I think it was opting in to the open register that solved it in the end. It may have just been a coincidence but it may be worth a try.

It does sound strange. If there are problems with her credit facility that could create problems for her in the future.

My DD got a new Santander student account opened today. All she needed was her UCAS letter - she also took her passport and drivers licence. She wanted the account because of the overdraft facility and free rail pass.

But if your DD has a monza account why does she need another one? Is it for an overdraft facility?

Yes pika I understood that but she obviously can't get one can she, there's no error its just that they don't want to give her credit for whatever reason. So she may as well just stick with her monzo or if she wants a brick bank get a normal current account.

It's nothing to do with credit. They can give a student account without an overdraft. The reason they are not giving it is that they haven't got enough of the right ID.

naked I heard something similar on Moneybox quite recently. Programme link is here www.bbc.co.uk/programmes/m0007448 and there is a link from that page to the Experian advice about to become ‘visible’. I’d keep trying with building societies/non-traditional banks as the service tends to less shit. Although amusingly Nationwide turned my down for a mortgage once because they “couldn’t find me at that address” - that would be the address attached to the current account I’d had with them for the last 15 years, and a credit card and several savings accounts!

Experian are bastards. My ex had the same first name, last name and middle initial as his CCJ possessing dad. Experian's opening gambit was that there was no way to tell them apart, despite the fact you never apply for credit without a date of birth!

Are you all non British?
Banks are under pressure on residency basis at the moment.
You said she was not on the electoral roll.
Are you on the electoral roll?

Thanks TL that's brilliant. I heard that too but couldn't think exactly where! You are a superstar.

Re the electoral register: we thought she was on there, DH did the forms but at the last local elections she wasn't on the list so there may have been a mistake there.

We will try Halifax that's where I bank

Oh and we've put her on the electoral register (again!). So hopefully that'll sort it. Thanks all.

Naked i was going to say, maybe make an appointment at your own bank and take your ID and hers along.

DS has a child's account . He has two actually, a saving one and one which he uses a bank card to access. He got the account and card when he was 11. Then again I am not sure how easy it will be to convert it all to an adult account. We shall see.

Sorry also meant to say, registering on the electoral roll may help as others have said

HSBC and Santander are fuckwits. They probably think they're too big to get murdered.

Stomps off to get bucket.

They need ID and Verification of Address. Passport and bank statement from Monzo should be sufficient.

I’m too old for a student account apparently 🙄
I’m with bare let’s get the murdering bucket

It sound very difficult. For parents of younger children 1. get them on the electoral roll early - I think you fill in the form to say if someone in the house is going to be 16 and start there and then keep them on it. 2. have them open a teenager bank acocunt at a main bank - mine had NatWest one that then they could convert to a student one through a vist to the branch with driving licence (they passed their tests at 17 and were old in the year so passed in lower sixth so were lucky) and passport once they have theri UCAS details or whatever is needed.

Finally you don't have to have an overdraft. My twins who are at university have chosen not to have an over draft on their student accounts.